[2020] Are loading screen crashes related to my hardware or the server issues?

I made a similar thread before but I didn't really get the issue solved, as of now I have had the game a week and have gotten about 1 - 2 hours of actual gameplay in.

Basically, whether it be as a Scav or as a PMC, whenever I go to join a raid, the game crashes near the end of the loading screen (I can hear the trees and wind and stuff) In the beginning it happened once every so often, and now its every time, worst part is, my character actually loads in and is in the raid, so I loose all my sh*t and die since I cant reconnect.

But the question I really want to know the answer to, is if this is a server issue or a hardware issue (Ryzen1600x, GeFo1660Super, 480gb ssd, 8gb ddr4 RAM), because tbh lads, I'm getting really f*cking pissed off at this, it doesn't even give me error codes, just blackscreens and kills my discord with it most of the time. Am I alone with this issue? I've looked it up but nothing has helped.